CFPB · Lower closed-with-relief share
National Credit Systems,Inc.
20.0K CFPB complaints · 0% relief (low band) · top issue Attempts to collect debt not owed.
National Credit Systems,Inc. closes 0% with relief (lower third) on 20.0K filings. Timely 98.7% · top product Debt collection. Allegations, not findings.
- Volume rank #38 of 342
- Lower closed-with-relief share
- +5839.7% filings 2013 to 2026
CFPB relief outcome brief
CCDB company national-credit-systems-inc
0% relief · 98.7% timely · 20.0K filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
National Credit Systems,Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 20.0K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
National Credit Systems,Inc. complaint mix by product
- Debt collection 16K 77.7% – 0% relief
- Credit reporting 3K 15.6% – 0% relief
- Credit reporting, 1K 6.2% – 0% relief
- Debt or 43 0.2% – 0% relief
- Credit reporting 39 0.2% – 0% relief
- Credit card 6 0.0% – 0% relief
- Mortgage 5 0.0% – 0% relief
Heavy-volume mix: how National Credit Systems,Inc.'s 20.0K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 15.6K |
| Credit reporting or other personal consumer reports | 3.1K |
| Credit reporting, credit repair services, or other personal consumer reports | 1.2K |
| Debt or credit management | 43 |
| Credit reporting | 39 |
| Credit card | 6 |
| Mortgage | 5 |
| Consumer Loan | 4 |
| Credit card or prepaid card | 3 |
| Money transfer, virtual currency, or money service | 3 |
| Checking or savings account | 2 |
| Bank account or service | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Payday loan | 1 |
| Vehicle loan or lease | 1 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for National Credit Systems,Inc.
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 21.8% of this company's filings
National Credit Systems,Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4.0K
- +5839.7% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 4.4K |
| GA | 3.0K |
| FL | 2.4K |
| NC | 1.3K |
| SC | 825 |
| CA | 616 |
| IL | 505 |
| OH | 505 |
| AL | 487 |
| AZ | 448 |
| MD | 412 |
| NY | 409 |
| MI | 404 |
| LA | 393 |
| TN | 387 |
| PA | 320 |
| VA | 304 |
| NV | 302 |
| CO | 283 |
| MS | 263 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 6.8K |
| False statements or representation | 2.8K |
| Written notification about debt | 2.8K |
| Incorrect information on your report | 2.3K |
| Took or threatened to take negative or legal action | 1.7K |
| Improper use of your report | 797 |
| Problem with a company's investigation into an existing problem | 753 |
| Cont'd attempts collect debt not owed | 508 |
| Communication tactics | 392 |
| Problem with a credit reporting company's investigation into an existing problem | 382 |
| Disclosure verification of debt | 318 |
| Threatened to contact someone or share information improperly | 82 |
| Electronic communications | 68 |
| Problem with a company's investigation into an existing issue | 66 |
| Improper contact or sharing of info | 44 |
| Incorrect information on credit report | 30 |
| Credit monitoring or identity theft protection services | 21 |
| Taking/threatening an illegal action | 16 |
| Problem with customer service | 15 |
| Identity theft protection or other monitoring services | 12 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 68 | 60.3% |
| 2014 | 223 | 94.2% |
| 2015 | 279 | 92.1% |
| 2016 | 380 | 93.4% |
| 2017 | 573 | 98.1% |
| 2018 | 555 | 91.9% |
| 2019 | 551 | 98.5% |
| 2020 | 714 | 98% |
| 2021 | 1.2K | 97.8% |
| 2022 | 1.1K | 97.3% |
| 2023 | 1.6K | 98.5% |
| 2024 | 3.0K | 99.9% |
| 2025 | 5.8K | 100% |
| 2026 | 4.0K | 99.9% |
Source: CFPB Consumer Complaint Database
National Credit Systems,Inc. in the lower-relief third
National Credit Systems,Inc.'s 20,044 logged complaints reach a nationwide footprint - 54 states have at least one filing. Only 37.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-26. Closed-with-relief 0% sits in the lower third of the corpus.
National Credit Systems,Inc. closes 0% with monetary or non-monetary relief and answers 98.7% inside the CFPB window; 97.7% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about National Credit Systems,Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for National Credit Systems,Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 20.0K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for National Credit Systems,Inc. (#38 of 342; 98.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lower closed-with-relief share